If you are age 60 and over, we have travel insurance products for your specific needs. Whether you are a Canadian snowbird or just taking a vacation, we can help ensure you have the coverage you need so you can travel with peace of mind.

Top reasons to pack Scotia Travel Insurance1

Competitive prices can help you stick to your budget

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Travelling only once

Planning an extended trip down south or a quick vacation abroad? A Single Trip Plan is ideal if you’re travelling just once in the next 12 months. It’s an affordable, easy way to get the coverage you want.

Choose the coverage you want

With three plans available, you can pick the one that’s right for you.

Emergency Medical Plan1

If you need emergency medical care you can receive up to $10 million dollars CDN in emergency medical insurance.

If you get sick, you can access a qualified doctor by phone or even have the doctor make a house call with the medical concierge benefit.

Trip Cancellation/ Interruption2

Provides you reimbursement up to your Maximum Insurable Limit for your prepaid non-refundable
non-transferable travel arrangements in the event you must cancel your trip or your trip is interrupted due to a covered event5.

All Inclusive Plan1

You’ll have all the benefits of Emergency Medical Insurance, Trip Cancellation/Interruption Insurance plus:

Baggage Loss, Damage and Delay Insurance1

You may be reimbursed up to $1,000 CDN per trip for loss or damage to your baggage due to a covered event5. Should your checked baggage be delayed more than 10 hours during your trip, you may be reimbursed up to $500 CDN for necessary toiletries and clothing.

Flight and Travel Accident Insurance1

This benefit provides a lump sum payment in cases of accidental bodily injury or death while travelling as a commercial passenger on a plane, while making a flight connection or while you are at the airport awaiting a flight. A lump sum payment is also payable in cases of accidental bodily injury or death as a result of an accident that may happen during your trip.

Travelling several times

If you are travelling more than once in a 12 month period, a Multi Trip plan provides coverage for an unlimited number of trips over a one year period. What’s the average length of your trips? You can buy coverage for up to 4, 10, 18, 30 or 60 days. Plus, you can top up3 your coverage if your trip extends longer than planned.

Choose the coverage you want

With three plans available, you can pick the one that’s right for you.

Emergency Medical Plan1

If you need emergency medical care, you can receive up to $10 million dollars CDN in coverage per policy.

If you get sick, you can access a qualified doctor by phone or even have a doctor make a house callwith the medical concierge benefit.

Trip Cancellation/Interruption Plan2

Provides you reimbursement for your prepaid non-refundable travel arrangements in the event you must cancel your trip or your trip is interrupted due to covered events5.

All Inclusive Plan1

You’ll have all the benefits of Emergency Medical Insurance, Trip Cancellation/Interruption

Insurance plus:

Baggage Loss, Damage and Delay Insurance1

You may be reimbursed up to $3,000 CDN per trip for loss or damage to your baggage. Should your checked baggage be delayed more than 10 hours during your trip, you may be reimbursed up to $1,500 per policy CDN for necessary toiletries and clothing.

Flight and Travel Accident Insurance1

This benefit provides a lump sum payment in cases of accidental bodily injury or death while travelling as a commercial passenger on a plane, while making a flight connection or while you are at the airport awaiting a flight. A lump sum payment is also payable in cases of accidental bodily injury or death as a result of an accident that may happen during your trip.

PLUS:Emergency Medical Top Up
This plan is for customers who have some travel insurance coverage under another insurer and require an emergency medical plan, or for those customers who have already purchased our multi trip plan and need to travel longer than their maximum number of coverage days. It is your responsibility to confirm that top up is permitted on your existing plan with no less coverage4.

If you are travelling outside your province of residence but within Canada, you still need travel insurance.

Our Canadian Travel Emergency Medical Single Trip Plan gives you all the coverage of our regular Emergency Medical Single Trip Plan at a 50% savings. Every province has its own Government Health Insurance Plan (GHIP) 6 which can have different maximum amounts payable for different medical services. So if you need emergency medical attention while travelling out-of-province and don’t have insurance, you will personally have to pay any difference between what your province's GHIP covers and what the destination province charges.

Here’s how it works. Let’s say you’re insured for a 10-day trip but you’re actually staying for 12 days. You can top up your emergency medical insurance by purchasing two extra days of coverage. Then you’ll have coverage for your whole trip4.

Topping up your coverage is ideal when:

Your current Multi Trip Plan doesn’t cover the full length of your trip

You’re already insured through your work or your credit card, but need a few extra days of coverage4

Please ensure your current plan allows top ups.

Plus, Emergency Medical Top-Up coverage is available for individuals, couples and families1.

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ScotiaTravel Insurance, distributed by the BNS Insurance Agency Inc., is underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company, a wholly owned subsidiary of Manulife.

1

Conditions, limitations and exclusions apply.

2

Trip Cancellation/Interruption: If you must cancel or interrupt your trip due to an unexpected covered event, this plan provides limited coverage for your non-refundable non-transferable pre-paid travel expenses.

3

Top-Up coverage must be purchased prior to the expiry date of the Multi Trip coverage and is subject to an extra premium charge. It is your responsibility to confirm that top-up is permitted on the existing plan with no loss of coverage. If you are 60 or older, the Medical Questionnaire must be completed at the time of application. The Emergency Medical Top-Up option can be used to top up a Scotia Travel Insurance Multi Trip All Inclusive plan.

4

If your Multi Trip plan is not underwritten by Manulife, it is your responsibility to confirm that a Top-Up is permitted on your existing plan with no loss of coverage.

5

See the Insurance policy for what is a “covered event”

6

Every province has its own Government Health Insurance Plan (GHIP) which can have different maximum amounts payable for different medical services. So if you need emergency medical attention while travelling out-of-province, you will personally have to pay any difference between what your province's GHIP covers and what the destination province charges.